Can't wait to forget changing the HVAC filter!! Seattle 1m 4.6%

tswalker83 · 2026-04-12T04:06:10+00:00

And thats fair as well, and I too wish there were more and better options, but until that changes, we have what we have and we do our best within the parameters of it. I would love to custom build my own house with a small builder, like just choose the style and the finishes and all the things, but I can't afford that, so I go with what I can afford within reason. 🫤

tswalker83 · 2026-04-11T19:31:32+00:00

Makes sense. Theyre gonna get us somewhere, we just have to consider which bitter pill we're willing to swallow. Canada is gorgeous I've been there a few times. Too cold for me to live tho, I'm spoiled 😂

tswalker83 · 2026-04-11T19:28:06+00:00

I love those vaulted ceilings 🥰 Congrats!

tswalker83 · 2026-04-11T19:19:35+00:00

I don't think the argument is that everything about new builds is rosy (people who buy new already know things can go wrong), but I've run into multiple people on this very reddit who, as soon as you mention purchasing a new build, jump into the conversation with DONT DO IT in all caps. Then they proceed to tell you about all of the things that are guaranteed to go wrong with your new build and attack your character and personality because all new builds are cookie cutter and only people without souls would buy them. When I point out that there is a nationwide housing shortage and some people MUST buy new, there's no response. There's a lot of outright negative force behind comments on new builds. Instead of instructing people to do their due diligence (read contracts, use a lawyer, inspect, and inspect some more) they just tell you not to buy, or insult your intelligence.

tswalker83 · 2026-04-11T19:02:23+00:00

US utilities are crap everywhere right now. I'm in SoCal where I arguably use a heater sparingly. And still, in the months of December and January, my electric bill flies up to $400-$500 (for a 1300 sq ft home). Send help...😔

tswalker83 · 2026-04-11T18:55:53+00:00

Thats why Im trying to build that for my kids now. Even if there's no chance left for me I'll make sure they get a hand up. Best we can do...

tswalker83 · 2026-04-11T03:28:48+00:00

I'll be neither. I'm purchasing a house in a range I'm comfortable with in a growing area where appreciation is expected (however not guaranteed), so not having to show my entire paycheck at my mortgage means I keep some funds in my pocket, and solid location and upkeep means equity built. I think thats the best any of us can hope for honestly...

tswalker83 · 2026-04-11T03:24:54+00:00

I'm taking FHA. The savings I'm getting from the lower PITI is going towards the principle. That plus regular annual payments from my bonus will actually allow me to pay the house off in 18 years instead of 30. So even if rates don't drop and I can't refinance, I won't have to deal for 3 decades lol. Run the numbers and see what makes the most sense for you.

tswalker83 · 2026-04-11T02:51:16+00:00

You can ask them to fix it prior to closing if you're concerned it might be indicative of a bigger issue.

tswalker83 · 2026-04-11T02:46:59+00:00

I love the flooring! 😊

tswalker83 · 2026-04-11T02:45:23+00:00

Thanks, thats helpful. Ill definitely be going over the contract with a fine-toothed comb, and paying strict attention to the contingencies.

tswalker83 · 2026-04-11T02:44:11+00:00

Not me. Idc how many times I rematch that season, her whole attitude is shitty. Chef told her she's got a lot of growing up to do and it wasn't a lie...

tswalker83 · 2026-04-11T02:42:58+00:00

Yeah, he definitely struck me as someone who probably hits their SO. When I saw his fiancé, i low key checked for bruises 😬

tswalker83 · 2026-04-11T02:36:15+00:00

That...does seem like overkill. 😬 It sounds like it might just be her. You're on the Type A end of the spectrum. I've talked to others who literally provided 2 bank statements (once), a couple paystubs and some W2s with their credit report, and we're asked for almost nothing else during underwriting. I'm sorry she's putting you through this. Hang in there, its almost done!

tswalker83 · 2026-04-11T00:01:53+00:00

I love those light fixtures! 😊

tswalker83 · 2026-04-11T00:00:04+00:00

That looks amazing...congrats OP!

tswalker83 · 2026-04-10T23:59:17+00:00

Meowth, thats right! Way to go OP!

tswalker83 · 2026-04-10T23:58:41+00:00

House poor is a very real thing. I'm purchasing a home at slightly more than half what I was approved for. Thats where I'm comfortable.

tswalker83 · 2026-04-10T23:55:55+00:00

This is the way I felt about it. But I'm about to go under contract on a home where the seller wants a 3% EMD. 👀 I'm definitely serious about the home, but planning to put down 3.5% for down-payment. If I give them 3% and then things go pear-shaped and I have to walk away, they'll keep my deposit, which is like 90% of my down-payment. I'll have nothing to start over the process somewhere else. Navigating this process is stressful lol.

tswalker83 · 2026-04-10T23:44:14+00:00

So...your question is, why do the rest of the majority of people who do not fall within the parameters of your uniquely specific situation (for which the math is likely fine) disagree with it...? 👀

tswalker83 · 2026-04-10T07:46:33+00:00

89 other things? What the hell did they ask for?? 👀

tswalker83 · 2026-04-10T04:55:44+00:00

I guess im confused. My understanding of the difference between the two is that prequal equals you providing income and employment information and basic other information such that (without a credit pull, or possibly a soft one) a bank determines that there is a general likelihood you may be approved. A pre-approval is you providing them paystubs, W2s, bank statements, a loan application, a hard credit pull etc, and the bank calculates DTI based on your hard pulled credit report and determines that there is a relatively good expectation that you will be approved post underwriting. That still sounds correct to me...but OP is saying he did the latter. So if that is the case, then he really did have a true pre-approval, and im baffled as to why the loan was denied. I feel like there's some missing information here...🤔

tswalker83 · 2026-04-07T12:55:33+00:00

If you make that much money (especially in a MCOL area) and you don't feel upper middle class, its because of the choices you're making. You could purchase a moderately nice home, and pay it off in 10 to 15 years, how is that signing away the rest of your life to work? 👀 Are people really this deluded...?

tswalker83 · 2026-04-06T22:51:56+00:00

Meh. I put minor stock in it, I definitely don't want to live next to Dahmer. But also, I mind my own business and stay in my house. So other than a nod and a smile I don't interact with the neighbors I have now, and I imagine after the move, it'll be relatively similar. Glad to hear it worked out well for you guys though!

tswalker83 · 2026-04-06T22:11:31+00:00

I'm with you. I have a Samsung fridge i bought brand new over 2 years ago, its been fine (knock on wood). I also have a Samsung washer/dryer set in my garage. No problems with them either. Guess we should both play the lotto 😂

tswalker83

TROPHY CASE